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Natural hazards · Garnavillo

Garnavillo, IA natural hazards

Most of the natural-hazard damage FEMA expects in Garnavillo comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Garnavillo?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garnavillo to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes9%Cold waves7%Hail7%Everything else7%
By hazard

What Garnavillo faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

70% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 10 years in the area

Cold waves

7% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 7 times a year in the area

Hail

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Garnavillo flood?

FEMA's records show no paid flood insurance claims in Garnavillo.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Garnavillo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clayton County.
Disasters that hit Garnavillo

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Garnavillo itself: aid to households, or repair grants to the City of Garnavillo.

Brought FEMA money into GarnavilloDeclared for Clayton County only
2013

Severe Storms, Tornadoes, and Flooding

$12K to the City of Garnavillo for repairs
2010

Severe Storms, Flooding, and Tornadoes

$4K to the City of Garnavillo for repairs
2008

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $4K aid approved $13K to the City of Garnavillo for repairs
2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $1K aid approved $16K to the City of Garnavillo for repairs
1999

Severe Storms, Flooding, and Tornadoes

$4K to the City of Garnavillo for repairs
Clayton County has had 24 natural disasters declared since 1953, most often floods and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Garnavillo is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Garnavillo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Garnavillo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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